Rewards calculator

Spend in → rewards out.

Spend benchmark

Tap to load · edit anytime

Monthly spending

Usual spend per bucket

₹ · before tax

Online Shopping
0%
₹
Dining & Food
0%
₹
Fuel
0%
₹
Groceries
0%
₹
Travel
0%
₹
Bills & Utilities
0%
₹
Other
0%
₹

Total / month

₹0

Estimates only — issuer rules apply. Use See full ranking for the complete ranked list.

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About this tool

Free Credit Card Rewards Calculator Online (2026)

CardCheck's free online credit card rewards calculator lets you estimate your annual earnings across cashback and rewards points based on your actual monthly spending habits. Select categories like online shopping, groceries, fuel, and dining to find which credit cards yield the highest return. All calculations factor in bank exclusions, reward caps, and annual fees for top Indian credit cards.

How it works

Four steps, under 60 seconds

1

Input your spends

Select spends across dining, fuel, online and travel

2

Compute earnings

Our engine applies reward rates and bank caps

3

Compare cards

See annual earnings in real rupees for 150+ cards

4

Choose the winner

Select the card that yields the highest returns

FAQ

Frequently asked questions

How is credit card cashback calculated in India?
Cashback rates vary by card, typically ranging from 1% to 5% or more on specific merchant categories. Our calculator computes these values based on bank-defined multipliers and deducts known exclusions like utilities, rent, or fuel if restricted by the bank.
Which Indian credit card gives the highest rewards?
There is no single best card. The highest-earning card depends entirely on where you spend. A card like SBI Cashback excels at online shopping, while premium cards like HDFC Infinia or Axis Magnus excel at travel and luxury spends. Enter your spending pattern to see your personal winner.
Does CardCheck store my spending data?
No. All calculations run client-side directly in your browser. Your spending values and inputs are never sent to our servers or stored anywhere.
Can I compare multiple cards at once?
Yes. The rewards calculator automatically compares 150+ cards simultaneously, ranking them from highest estimated annual reward value to lowest based on your inputs.
How are reward points converted to rupees?
Point values vary by bank (e.g. 1 point = ₹0.20 to ₹1.00 depending on the redemption catalog). Our calculator uses the standard value (statement credit or direct cash equivalent) to estimate real rupee returns.